Cliencia Credit Insurance

Are you a company? Are you looking for a financial partner to help you cover yourself against the risks associated with your business transactions?

BANK OF AFRICA has developed Cliencia, with its partner Euler Hermes Acmar, a Credit Insurance solution to anticipate the risk of unpaid commercial receivables. Indeed, Cliencia intervenes before and after your transactions and protects you against non-payment of your receivables.

4 good reasons to choose us

With our Credit Insurance solution, you can develop your business with confidence and ensure its sustainability and profitability! Your company is protected against any risk of non-payment, whether on domestic or export transactions.

Optimisation and recovery of receivables with the Credit Insurance
Protection against the risks of non-payment in Morocco and internationally
Support from our risk experts
Better prevention and monitoring of your customers' solvency

Your questions, our answers

Our Cliencia offer protects you against the non-payment of commercial receivables related to

Transactions for the supply of goods or services payable in the short term ;
Transactions processed in Morocco or abroad between manufacturers or merchants.

Excluded are transactions carried out with

Public administrations and authorities;
Affiliated companies;
Individuals or legal entities that do not have merchant status

The setting of the premium rate varies according to the risk analysis of the customer's portfolio.
Usually, this is a percentage applied to the insurable turnover.